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Download 2019 Annual Report “I feel I get more here at Dover Federal Credit Union institutions.” “At big banks you’re“ just a number, but at Dover FCU everybody knows me and I know they’re going to take care of me.” “I always have a pleasant experience at Dover FCU. The service they provide keeps me coming back.” “Dover Federal is awesome. I have a Kasasa account and I love seeing the extra interest.” “Dover Federal is the best banking institution in Delaware and I really mean that.” 2 CONTENTS 4 C a m d e n 9 President’s Report 5 2020 Meeting Agenda 1 0 Executive Team 2019 Meeting Minutes 1 1 Supervisory Committee 6 Member Testimonials 1 2 Charitable Foundations 7 Chair’s Report 1 3 Condensed Balance Sheet 8 Governance Committee Board of Directors 1 4 Condensed Statement of Income 3 O U R B R A N C H CAMDEN LOCATIONS IS NOW OPEN! N e w C a stle M id d le to w n S m y rn a Saulsbury Road, Dover North DuPont Hwy, Dover Dover Air Force Base C a m d e n M ilfo rd 4 2020 Meeting Agenda I. Call To Order IX. Report of Directors II. Pledge of Allegiance X. Report of the President III. Introductions XI. Report of the Supervisory Committee IV. Recording Secretary Appointment XII. Unfinished Business V. Parliamentarian Appointment XIII. New Business VI. Ascertainment that a Quorum is Present XIV. Report of the Board Governance Committee VII. Motion Announcement XV. Adjournment VIII. Minutes of the 2019 Annual Meeting 2019 Meeting Minutes • Minutes of the 61st Annual Membership Meeting held on March 19, 2019, • The chair announced a consideration of a motion to suspend the rules at Modern Maturity Center, Dover, DE. and to approve the minutes of the last annual meeting without reading. A motion to approve the minutes without reading was made by John Van • Jeannette Schuler, Chair, welcomed all credit union members present to Tine, seconded by Fred Adams. Motion carried. our 61st Annual Membership Meeting of Dover Federal Credit Union. • Report of the Directors was made by Chair of the Board, Jeannette • The meeting was called to order by Jeannette Schuler, Chair of the Board, Schuler. at 6:01 p.m., on Tuesday, March 19, 2019. • Report of the President was made by Chaz Rzewnicki. • The Pledge of Allegiance was led by the Chair, Jeannette Schuler. • Supervisory Committee report was presented by Mark Heck. • Jeannette Schuler introduced those seated at the head table. • Tammy Ordway, Chair of the Board Governance Committee, reported • The Chair appointed Lonnie Dye to be the Recording Secretary. the following members have been nominated by the Board Governance Committee to serve on the Board of Directors: • The Chair appointed our Staff Attorney, Myfanwy Bonilla, as the Parliamentarian for this year’s meeting. Lonnie Dye, Michelle Mack-Williams, Cory Thomas, Dayna Cobb • The Secretary, Lonnie Dye, reported that a quorum was present. 15 • Jeannette Schuler declared the business meeting adjourned at 6:23 p.m. members constitute a quorum. 107 Members were present. 5 Member Testimonials 6 Chair’s Report Apparently, I was premature in my report last year and am once again providing the Chair’s report for the 2020 Dover Federal Credit Union Annual Meeting. I was given the extreme privilege of being re-elected Chair of the Board for another year; and what a year it has been! It is my honor to have led the Board of Dover Federal Credit Union for the last four years with extraordinary progress and achievements each year. We had a very profitable year in 2019 and continued to progress objectives exceeding timelines and expectations on many fronts. The core conversion laid the foundation and has proven its worth and enabled the accelerated progress. That progress cannot just be credited to better infrastructure and technology; the entire DFCU team is dedicated to serve our members and continue to improve services and products with astounding progress over the last few years. Our long-awaited Camden branch broke ground last year and will celebrate its official grand opening in May. The team had the courage and fortitude to embark on an online banking and billpay conversion in January 2020. These conversions so soon after the core conversion of January 2018 are major endeavors requiring extreme planning preparation and contingencies. Unlike the core conversion for which our members don’t see the direct benefit as the core is evident to employees, online banking, remote deposit capture and billpay are directly seen and the benefits immediately evident to members. A chat is now available as an additional channel to communicate with DFCU. Surveys reflected dissatisfaction with having to pay a fee to pay loans so the free ACH payment method was implemented. We are converting to a single Mastercard credit card provider with enhanced benefits to be realized by you, our members later this year. These are just a few of the initiatives not even touching on ATM replacement and disaster recovery. Our team is also representing you with the increasing issue of data breaches and fraud. The latest example is with Wawa. At a substantial cost, DFCU has re- issued cards to protect our members and prevent fraud from Wawa’s data breach. We are also increasing our voices with our local representatives and speaking out at conventions and governmental events to continue to apply pressure to lawmakers to change the laws and hold merchants accountable for data security breaches. Join us and let your voice be heard by calling and/or writing your representatives! The DFCU team is also active in our communities across Delaware. It is great to be recognized in the last year by Appoquinimink School District, Boys and Girls Club, Central Delaware Chamber of Commerce, Dover PAL, Habitat for Humanity, and Special Olympics. And to win the following awards: Central Delaware Chamber of Commerce Outstanding Partnership Award 2019, Central DE Habitat for Humanity Sponsor of the Year 2018/2019, CULAC Circle of Excellence 2018 Top State Fundraiser, Delaware’s Best Credit Union by Readers Choice and First State Favorite. You don’t only see team members if you come into a branch but can see us with involvement at various events throughout the state. Economics will always be an issue. Last year the inverted yield curve foretold a potential recession. This year the market has taken a beating with the economic fallout from the Coronavirus. The Treasury hit new lows with the 10 year at 1.127% as of the end of February. Again rest assured, whatever the economic environment, Dover Federal Credit Union will remain stable and is protecting your interests. Dover Federal Credit Union is working hard to make it easy to do business with us and to take you there; wherever there may be! Respectfully, Jeannette Schuler, Board Chair 7 Governance Committee The Governance Committee consisting of Russell McCready, Mark Heck, Paul Hyland and myself had many fine applicants this year to pick from. We have searched for the best possible candidates to serve on Dover Federal’s Board of Directors. We have had two associate directors in training and are proud to be moving them up to serve as directors – they are Cory Thomas and Dayna Cobb. Returning Board members are Lonnie Dye and Michelle Mack-Williams. We have three new Associate Directors Holly Conley, Kim Warfield-Walker and Ronald Kosinski. The Credit Union environment is continually changing with new regulations, new technology, and just better ways to help our members. We look forward to working with our fine new Board of Directors. In your service, Kathy Adams, Chair Board of Directors The elected Board of Directors represent all credit union members to maintain fiscal safety and soundness, set strategic direction, ensure regulatory compliance, hire the CEO, establish CEO goals and objectives, and oversee CEO performance. CHAIR SECRETARY ASSOCIATE Jeannette Schuler Lonnie Dye DIRECTORS Cory Thomas VICE CHAIR DIRECTORS Dayna Cobb Mark Heck Kathleen Adams Russell McCready TREASURER Michelle Mack-Williams Paul Hyland Bonnie Yeomans David Walczak 8 President’s Report Dear Membership, 2019 was year filled with change in the ever-evolving world of financial services. Dover Federal Credit Union continued to strengthen our core, build out our product suite, improve our technology and plan for our future. In addition, Dover Federal continued to invest in areas that are of great importance to us; our employees, our community, financial literacy and legendary service! As we navigate into the future, I truly thank you for your support and membership in our cooperative. Although 2019 presented many challenges and a changing economic landscape, we were able to make adjustments that ultimately led to a successful year. In the end Net Worth remained strong at 8.29% or $40,241,083, well above the National Credit Union Administration’s 7% threshold to be recognized as a well-capitalized credit union. Assets ended the year at $485,241,083 with total deposits of $442,478,435. In total, 41,737 member were part of the Dover Federal family as of December 31, 2019. Net Income met expectations and budget at $1,624,317 Dover Federal Credit Union remains a financially sound institution with a deep commitment to safeguarding members’ assets, ensuring future viability and most importantly improving the member experience. In 2019, your credit union: • Was awarded the following… o 2019 Central Delaware Chamber of Commerce Partner of the Year o 2019 First State Favorite – Dover, Smyrna & Middletown o 2019 Readers Choice Award o 2019 Habitat for Humanity Sponsor of the Year o 2019 Credit Union Legislative Action Council – Top State Fundraiser • Camden Branch – After several years of anticipation DFCU broke ground on our new Camden branch.
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